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As the name suggests, group life insurance offers benefits to a group of people like joint families or employees of a company. They are one of the most popular life insurance plans as they are affordable compared to individual insurance policies. The group of individuals in the policy will be liable for the insurance coverage. These days, most of the brands are bound to offer insurance plans to their employees, and they often love to go with a group life insurance cover. Providing life insurance to employees can be one of the best ways to showcase loyalty to your employees.  Are you alien to the term group life insurance plans? We will cover the topic today to ensure that you can reap the best benefits out of it. Here are some of the best benefits of the group life insurance policy.  Benefits of group life insurance: One of the best advantages of group life insurance is it can be provided to an ‘n’ number of people irrespective of their background, profession, age, and income. In addition, there are also various types of insurance policies; hence employers need to understand the benefits of the group life insurance policy to find the best one for their brand. 1) Gratuity: Upon completion of specific years, employers have to provide gratuity benefits to their employees to showcase their trust and loyalty towards the brand. Group life insurance can be one of the best gratuity benefits which you can offer to the employees. 2) Superannuation: One of the best advantages of group life insurance is that the amount gained over time will be given to the employee at retirement. 3) Savings plan: Group life insurance offers double benefits as employers can use it as a savings plan for their employees and life insurance coverage. 4) Relives from the stress of premium payment: The premium of group life insurance is relatively cheap. Most modern insurance providers deduct the premium amount from your bank account, relieving you from the stress of making payments manually. Features of group life insurance: 1) Term life coverage: All the group life insurance plans offer term life coverage as an individual can also renew the policy annually. Moreover, there is no need to provide evidence to avail of the insurance policy. Therefore, it is possible to enroll without medical tests. The simple plan offers benefits for both employers and employees. Employers can build trust among their employees while employees also have coverage for their employees. 2) Permanent life coverage: One can also opt for permanent life coverage where the policy will be active for the entire lifespan of the group. At the same time, there are also various limitations like the group life insurance will not be available for employees who retire. Still, it will be passed on to the next generation of employees. Moreover, universal group life insurance is also risky for employers and rarely offers benefits to the employees. Group life insurance offers multiple benefits to employers and employees, but like any other insurance, it also has certain limitations; hence you have to make your selection wisely.   

A c-section or cesarean delivery might be recommended by your gynecologist for various reasons. The surgical procedure is done by cutting open the belly and womb a few inches above the bikini line. It is a major abdominal surgery and is usually performed under the circumstances where normal vaginal delivery is dangerous for the health of the baby and/or mother. Although it is a major surgery, the best gynecologist in Bangalore says that there is nothing to worry and that the doctor will guide you and comfort you through the process. However, like any other surgery, you need to take care post-surgery so that you can ensure speedy recovery. Here’s a look at some of the things that can help with this. 1. Don’t Exhaust Yourself You must remember that c-section is a major surgery, and you need to take care of your body with the utmost care possible. Avoid climbing up or down the stairs and remember to hold the area where the incision was made if you sneeze or cough, to prevent any sudden jerks. It usually takes approximately eight weeks for you to get back to your normal routine. Check in with your doctor from time to time to know when you can begin exercising and taking up activities that need physical strength. Lastly, until your doctor gives you the green light, wait to have sex or use tampons again. However, all this will not prevent you from taking the best baby health care. 2. Focus On Nutrition People ask you to eat healthy during your pregnancy. You must remember to continue this even after delivery. In case you have opted to breastfeed your child, your milk is the only source of nutrition for the baby, so you need to be all the more careful with your diet. This means ensure you eat lots of green vegetables and a good mix of proteins, carbs, vitamins and minerals. Remember to always keep yourself hydrated by drinking a lot of fluids and keeping water as the top source of hydration. You will also need extra fluids to boost your breast milk and to avoid constipation. 3. Ensure Adequate Rest A c-section is a major surgery and your body will need time to heal afterwards. So, while ensuring the best health care for your baby, remember to get enough sleep. Doctors recommend that you sleep when your baby does. Your baby will need frequent feeding and is unlikely to sleep through the night for the first few months. So, don’t hesitate to ask for help, if you find yourself getting too tired. You are usually expected to stay in the hospital for 3-4 days after the c-section, to ensure that you are recovering well. Remember to continue with resting even when you get home. Take good care of yourself during the pregnancy and after delivery. If you are healthy, you can ensure the best care for your little one.

Planning to buy your first luxury car in India? If you've already invested in a fixed deposit with the best interest rates, you're in a good financial situation to afford the car. Now you need to decide how to fund your purchase and what kind of luxury car is on your mind. To help you make an informed decision, here are 5 tips on purchasing your first luxury car in India. Take a Loan Against Your Fixed Deposit Check your fixed deposit tenure. Then use an online fixed deposit interest calculator to learn the maturity amount. The best bank for fixed deposits offers this online interest rate calculator on its official website. If the maturity amount and tenure cannot help finance the lumpsum payout, consider taking a loan against your FD. Choose a suitable repayment tenure. See if you can get a loan of up to three-fourths of the deposited amount. You may only have to pay slightly higher interest than that on the deposit. And you'll be financially armed to get your dream car! Learn the Road Tax of Your State Did you know that when you buy a new car, the road tax of the state gets added to its ex-showroom price? Yes. So, before you purchase a luxury car, it's a good idea to learn how much tax is levied by your state. Say, the percentage of road tax in your state is 10%. If the ex-showroom price of your chosen car is 1,00,00,000 INR, then you need to pay a road tax of 10,00,000 INR. The other costs associated with your car will be insurance, maintenance, fuel consumption and repair costs. Which Type of Luxury Car Do You Want? These cars come in various sizes, colours, and overall looks. Decide on these factors. As per your family size, see if you want a sports car, hatchback, SUV or sedan. Now think about the driving capability of the car. Accordingly, opt for all-wheel, rear-wheel, or front-wheel drive. What Kind of Engine Do You Prefer? After deciding on the type of luxury car you're looking for, think about the fuel and engine options. You can go for diesel, petrol, hybrid, or even electric powertrains. Each option comes with its own pros and cons ranging from the cost of fuel to mileage. Don't forget to decide on the kind of transmission you prefer: manual, automatic, dual-clutch transmission (DCT), or continuously variable transmission (CVT). Consider the Interiors According to your budget, you can choose a car with sophisticated wood and leather interiors to the latest electronic components. There should also be essential safety features. Besides, consider other features that can uplift the overall feel of the car. These may include: A good sound system Touchscreen infotainment displays Height-adjustable and ventilated seats Automatic climate-control systems The luxury car you buy has to face the challenges of broken roads, potholes and even harsh weather in India. So, try to get the maximum warranty on it. If the loan taken against the fixed deposit cannot finance your purchase completely, consider choosing a top-up loan of the required amount.  

Are you trying for the baby? Facing some issues with natural conception? Your doctor may have suggested IVF or ICSI. IVF and ICSI procedures are two of the most important ways of increasing the chances of pregnancy. Your doctors would be suggesting the most suitable treatments based on your health requirements. However, you should know the basics of ICSI (Intracytoplasmic Sperm Injection) and IVF (In Vitro Fertilization) before going ahead with the treatment. Knowing the procedures well helps you be calm and mentally prepared as you know what to expect during the procedures.  Every year nearly 10 to 15% of couples worldwide need the help of specialized fertility treatment or assisted reproduction strategies. Apart from ICSI and IVF, various other fertility treatment options can aid couples in conceiving. However, these two treatments are more popularly used. Let’s see how these two treatments are different from each other.   ICSI Vs. IVF: ICSI Procedure: ICSI or Intra Cytoplasmic Sperm Injection is a suitable option for male infertility where the sperm needs assistance to reach the eggs. Fertility experts or doctors might recommend ICSI treatment to patients with low sperm count, improper sperm shape, and sperm motility.   In the ICSI treatment, doctors collect the sperm of the patient and surgically implant it inside the female to increase the chances of pregnancy. In comparison to ICSI, IVF treatment or In Vitro Fertilization is a commonly used fertility treatment that is comfortable for couples with fertility issues. The average success rate of IVF treatment is 65%, and age and fertility issues can have a massive impact on the success rate of the treatment.   Moreover, IVF treatment is one of the best fertility treatments for all couples aged under 35 and who have a healthy ovarian reserve. According to the latest research reports from scientists, couples who have opted for IVF have a successful pregnancy and healthy child rate of 24%, while for ICSI, it is 27%. Both the numbers are quite satisfying as both IVF and ICSI are dependable ways of fertility treatment.   Health Problems For Baby Associated With Assisted Reproductive Technology: Whether ICSI or IVF, the child’s health is one of the main reasons couples fear assisted reproductive technology; well, there was a time when people feared IVF for creating children who were less immuned than the normal child.   But today, with the boom of advanced technologies, couples don’t have to fear assisted reproductive technology. Both ICSI or Intra Cytoplasmic Sperm Injection and IVF or In Vitro Fertilization assist couples in conceiving a healthy child quite similar to normal ones.   However, there are also risks associated with ICSI treatment where the surgical process might damage the egg or degenerate the embryo itself. On the other hand, high oestrogen levels can also hurt IVF treatment sometimes.  Are you worried about infertility and looking for the best fertility centres in Delhi?  Reach out to Apollo Fertility centres that are well-versed with the latest fertility procedures and experienced doctors you consult for the right guidance and best treatment. 

Getting a shot can slightly hurt your child. But it is well worth the pain. Dead or weakened parts of germs that cause specific diseases are administered into the blood. This can help the body build immunity against the medical condition in question. Most injections exhibit minimal side effects. While some kids do not react others can bring the hospital down. In fact, studies have found that two-thirds of children show fear of needles. This can translate into adulthood. They could be scared of the healthcare system altogether for the rest of their lives. So, parents need to ease the experience right from the beginning. But you must be well aware of the procedure first. Having a clear idea of what happens in the child hospital in Delhi or elsewhere can help plan strategies. Take a look. The Vaccination Procedure The whole process does not take more than a few minutes. The doctor will hold the skin around where the injection will be administered. This is usually done by tying a thin rubber band. They will now pull the site and thrust the needle in the muscle at 90°. This is since muscle tissues there are packed with vital immune cells. Certain subcutaneous injections are administered into the fatty tissues as well. These are located below the dermis. The shot will feel like a pinch or an ant bite to the child. The area might become slightly red or swollen. This usually disappears within a few hours or a day. Your baby will be allowed to leave the room after the procedure is over. There are no follow-ups required unless the paediatrician feels the need to know the child’s condition. Parents must be careful to check for mild fever, chills or irritability in the kid post-vaccination. How to Sooth the Pain Vaccinations from the leading child hospital in Delhi are usually safe. This is because each one undergoes rigorous tests beforehand. But pain is a natural part of the process that cannot be completely avoided. But parents can apply a few techniques for added comfort. These ensure the child is not traumatized and has a positive approach for each session. Have the child seated on your lap. Try not to look overwhelmed. Stay calm. Get sweet foods like ice cream or toffees. These can reduce pain response. Breastfeeding is a great way to soothe and relax the child. Mild pain-relieving ointments or cooling sprays can be helpful. Hugs, cuddles or kisses can comfort the baby. Start to distract them with toys, music or games on your smartphones. Be aware of the vaccination schedule. It will help you prepare the child beforehand. Young adults must know what to expect. They must understand that the vaccine will hurt like a small pinch for a few seconds.  Use words like ‘poke’ or ‘pressure’ rather than pain. This makes it easy for them to stay relaxed throughout. A mindful and practical approach can ease the vaccination procedure. Do get in touch with your doctor in case the sores or redness do not disappear with time. Otherwise, it can cause infections that lead to major discomforts later on.

The British eat a variety of foods. Most are a mix of Indian and European flavours. London offers an excellent culinary scene. The top cafes of the capital city usually serve traditional classics. This is a great way to preserve English food culture. Each item on the menu is comforting, authentic and legendary. Roasted duck, afternoon tea, savoury pie, fish and chips, canary wharf and steaks are the most loved mid-day meals. A host of beverages like wines, beers and cocktails are also quite popular. There are plenty of eateries that cook with unique techniques and ensure great value for money. If you are planning to take Delhi to London flights, have a look at a few eateries where you can while away a few hours while relishing great lunch.  1. Biscuiteers This is one of the prettiest luxury boutique cafes. Locals often call it quirky since you can pick a wide range of seasonal biscuits. For example, flowers and birds for Spring. The ‘school of icing’ produces more than 100 different designs. Quickly learn the icing basics from the waiters. Now you can self-decorate the cookies with colourful sugary toppings. The case also boasts a vast collection of chocolates and cakes if wish to have a light lunch. 2. Heist Bank Wood oven sourdough pizza with locally brewed beer makes for a wholesome meal. This is popular as a ‘youthful’ bar and restaurant. Sprawling premises, reasonably prices items and post-industrial décor are quite attractive. The recommended foods are Chargrilled Hispi Cabbage, Smoked Maldon Salt, London Feta, Breaded Lamb Cutlets and Chicken Thigs. You can also drop by after deboarding your Delhi to London flights to taste the authentic Italian pizzas. They are made using fresh yeast with a crispy light base. 3. Pasta Remoli It is a perfect Italian casual dining restaurant for lunch. Locals usually come here from far and wide for authentic homemade pasta. They also have a fantastic selection of drinks which ideal pairings with your meal. You can also order a gluten-free pasta made from chickpeas flour along with a choice of fresh sauce. 4. Antipodea It is an Aussie-style space that is quite airy with an open kitchen. You can explore both seasonal picks and fusion of Asian and Australian cuisines while booking your London to Delhi flights. The ‘all day menu’ offers Turkish eggs, sweetcorn fritters, Cured Bacon Sandwich and Eggs Benedict. You can consider Goodness Bowl, Salt Beef Reuben and Buttermilk Fried Chicken Breast Burger for lunch. The café also serves a vast variety of soft drinks, non-alcoholic cocktails, smoothies, shakes and beer. Don’t forget to try something from the Dessert Pots as well. 5. Prufrock Coffee Special items here are the delectable sliders. Do order the meat: pork, smoked tomato relish, caramelised onion and cheddar. The top vegetarian dishes are Aubergine escabeche, coleslaw and herb aioli. You can also check out the other signature items like hotcakes, toastie, eggs on toast, noodle salad, mushrooms, soups and house granola. Cakes and pastries are also in abundance. Eating lunch from this café gives you an opportunity to support local producers and small-scale growers. Many restaurants might have changed their timings and their operational modes. For example, most have shifted from dine-in to takeaway. Do confirm while checking Delhi to London flight price.

A textile manufacturing process entails the manufacture or conversion of textile fiber in a product via a specified procedure. Sizing, desizing, scouring, bleaching, mercerization, dyeing, printing, and special chemical finishing are some of the chemical textile production processes. In relative terms, the Indian textile sector is more competitive in the global market than other industries in the nation.  All textiles are composed of fibers that have been organized in various ways to provide the required strength, durability, look, and texture. The fibers can come from a variety of sources, but they can be divided into four major groups. Except for silk, natural fibers have relatively short fiber lengths measured in centimeters. Silk and man-made fibers, on the other hand, have lengthy fiber sizes (filaments) extending from hundreds of meters to kilometers.  Textile consultants help customers with strategy creation and implementation, alliance formation, investments, sector analysis, and due diligence, offering end-to-end solutions across the whole textile value chain. The textile sector has long been associated with high levels of innovation and a wide range of industrial uses. However, to be a successful participant in this competitive game, one must be adaptable and flexible to the industry's fast changes.  The continuously changing market presents new problems to clothing businesses, and consumers' needs are also constantly growing. Therefore it is important to provide them a greater added value regularly. This additional value is a well-planned brand strategy, often known as branding. Firms that lack distinguishing characteristics, a clear vision or defined goal, or long-term values will become lost in the sea of messages that flood the market.  A brand strategy may be used in two situations. The first occurs when a company or a product already exists in the market; the second occurs when a firm seeks to enter the market and wishes to make its presence known to prospective customers. If a service or a company is already in the market, most customers have previously experienced the brand and have formed their own opinion. In such a scenario, all required is to seek solutions that will allow them to obtain an edge over rivals through their action plan, emphasizing the values anticipated by the targeted market and positively welcomed by them.  On the contrary, a new business in the market must present some unique choices as potential consumers should be given the impression of the need which the firm can fulfill, something they require, and which is distinct from anything else in the market supplied thus far. To create a new brand, a company should consider the rise of competition in the market in which it operates, the need to differentiate itself from competitors, the entry of well-known and, strong foreign brands into the market, unused financial resources, and a lack of brands in the enterprise, as well as an enhancement strategy.  The majority of the inputs necessary for this industry are accessible from indigenous sources, with relatively minimal reliance on imports and valuable foreign exchange. Beginning in the mid-1990s, larger-capacity production units with improved technology were constructed, usually in conjunction with a joint venture partner. During the same period, Indian customers could observe the availability of foreign brands manufactured by Indian clothing makers on the local market.

Mutual funds are run by fund managers who follow the investment style and strategy outlined by their asset management companies or asset managers. The strategy outlined by the asset managers and its successful implementation is what determines the performance of a mutual fund investment.  Let us find out more about their role and the five important traits that contribute to the success of asset managers. Role of Asset Managers Set the Framework: The asset management companies or asset managers define the process for the management of a mutual fund scheme and the investments made under it. They outline and document the full process of selecting securities and constructing a portfolio. This framework is used by the fund managers of a scheme to operate. Manage the Risk in Different Schemes: Another important role played by asset managers is their ability to manage the risks involved in investing. Their efficiency in managing the risks involved in different schemes with different portfolio structures is important for the investors. An asset manager’s job is to ensure that each of mutual fund schemes managed by it is different yet capable of generating valuable returns to the investors. Since asset managers play an important role in the functioning of a mutual fund scheme, investors looking to invest must look for the ability and the success rate of an asset manager. This is possible by checking the size of the asset management company, the number of schemes handled by them, and its’ track record in managing these schemes. Traits of Successful Asset Managers While there are umpteen asset management companies in the field, only a few have been successful in churning out successful mutual fund schemes. Here are some traits that contribute to the growth of an asset manager. Diversification: An asset management company that has a more diversified portfolio (across assets, geographies, and distribution channels) that can handle the various market cycles is preferred. This can be achieved by offering schemes including SIP options that are diversified by product, asset class and channels. Asset managers offering niche products like funds with lockup periods or tax-managed strategies or retirement accounts also tend to hold on to their assets for a longer period. Pricing: Funds or asset management companies that are more cost-competitive are preferred. Active asset managers can lower their management fees and expense ratios over time to offer products that are preferred over the high-cost offerings by other asset management companies. They can do so by focusing on low-cost growth strategies to build their portfolio of good and reliable stocks. Consistently Outperforming the Competition: Another important trait of successful asset managers is their ability to consistently outperform their peers or competitors and generating superb returns. So, asset managers which strive to outperform their benchmark indices or competitors and have a track record of doing so are preferred by investors, Adaptability to Changing Situations: Asset managers who are quick to respond to changing situations and evolve their investment strategies are the ones that will perform well over the long run rather than the ones that stick to a specific strategy irrespective of the changing scenario. One of the key factors before you decide to invest in a mutual fund scheme is to check the track record of the asset management company managing it.

People, who choose to opt for fat removal treatments, usually have steady body weight and simply wish to eliminate undesirable deposits of fat from certain areas of their bodies. There are several types of treatments available for the removal of fat from one’s body. One of these treatments is the laser fat removal method. It has become increasingly popular and common in countries all over the world. Laser fat removal in Dubai has become especially popular. Laser fat removal is also known as “laser lipolysis”. It is a type of cosmetic surgery that uses laser energy to facilitate the removal of unwanted fat from certain parts of your body. The method of lipolysis itself has several different types that may involve injections or radio-wave treatments. Laser lipolysis, however, is the most common technique used by most people. Laser fat removal in Dubai has also become the most sought-after method. This treatment of laser fat removal aims to decrease the volume of fatty tissue by using laser technology to break down the fat units in the body. It has been observed that this procedure also helps to tighten the skin of the area where the treatment is applied. It will help your skin become much smoother and tighter than before. In any sort of treatment, safety is the top priority. Hence, this procedure has been tested thoroughly and is guaranteed to be safe for clinical use. Employing laser energy on the skin may pose a risk of burning, but it has been ensured that the risk of scarring or infection to the skin is minimal. Let us learn a little more about the process of laser fat removal in Dubai. How should you plan and prepare yourself for such a treatment? Before you decide to get any sort of fat removal treatment, you must consult an appropriate physician or a cosmetic surgeon. Your certified doctor will give you specific advice on how you should prepare for your fat removal treatments. They may instruct you to: Avoid any blood-thinning medicines at least 14 days before your treatment. Avoid any anti-inflammatory drugs at least 14 days prior to your treatment. Make sure you are properly hydrated. What should you expect during the procedure? The procedure of laser fat removal in Dubai is essentially an outpatient process and it takes approximately 60 minutes to conclude. Firstly, the treatment area is cleaned and marked by the medical practitioner before he proceeds to administer local anaesthesia. This prevents you from feeling any pain or discomfort during the procedure. Next, a small cannula, with a laser fibre, is inserted into the skin through a small incision. This cannula is then stirred back and forth to focus on the fat cells and release laser energy. The heat delivered by the laser then liquefies and dissolves the fat deposits which are removed through the body’s lymphatic system. Side effects and aftercare: After completion of the procedure, you will be advised by your doctor to Use cold compressors to reduce any swelling you might experience Begin your regular physical activities keeping in mind to avoid any stressful activities Avoid alcohol and tobacco for a minimum of 3 weeks after the treatment Steer clear of unnecessary sun exposure for a minimum of 3 weeks after the treatment Take the prescribed medication precisely When does it become important to opt for laser fat removal? Laser fat removal is a minimally invasive procedure and hence very popular among both men and women. Bodies may differ in shape and size but there exists some amount of unwanted fat that everyone wants to get rid of. Fat deposits can even be traced down to genes and gender. There are several reasons why one might wish to opt for a fat removal treatment, however, it might not be the right choice for everyone alike. Let us discuss how you can know when it is important to get a fat removal treatment. Most physicians and cosmetic surgeons recommend a fat removal treatment when you reach your goal weight. It has been observed that if you get the treatment before you are at your goal weight and you lose some weight after said treatment, then you may end up having loose or sagging skin. Fat removal treatments are generally meant for people who have stubborn unwanted fat deposits that they can not get rid of. People who fail to lose weight in certain areas despite being at their ideal weight for years are recommended to opt for fat removal procedures. More often than not, fat removal treatments are elective procedures that may or may not be medically necessary. However, there are some instances where these treatments become medically necessary for the well-being of the concerned individual. Laser fat removal in Dubai is a popular and effective process of fat removal and is considered safer and more beneficial than other treatments. FAQs: What is the cost of laser fat removal in Dubai? The fee for laser fat removal in Dubai varies between 10000 AED and 15000 AED. Is fat removal a safe procedure? Laser fat removal is one of the safest methods of removing unwanted fat. It is minimally invasive and facilitates a speedy recovery period. Is there a risk of complications because of the procedure? The risk of any sort of complications during the treatment is minimized with the use of local anaesthesia.